If i drive someone elses car with permission and wreck it whos insurance pays?

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I was on the highway and hit something that( obvioulsy fell from a truc). I cracked my front bumper skirt.?

To those of you insisting the driver's insurance will cover it, please talk to your agent and find out the truth, and quit spreading misinformation. Again, pay attention now....insurance follows the vehicle, not the driver. That's why there is a make, year, model and VIN on your insurance card, to show what CAR, not what driver, is covered. If you are driving someones vehicle, with permission, you are under the insurance for that vehicle, not your own insurance policy for your car.

what are the requirements for defensive driving?

If you have an at fault accident, the insurance in force on the car will pay for damages to other property. If you aren't at fault, then the owner of the vehicle you borrowed -- not you -- gets to collect damages from the other insurance company.

Can I sue someone with auto insurance?

If the vehicle is stolen, and reported stolen before the accident that would be a different story of course.

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record print out?

remind me NOT to let anyone named stanley borrow the car.

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is it possible to get a reprint of my vehicle registration?

Your insurance, you wrecked it.

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Gap insurance for private motor cars - is it worth taking?

Depends who caused the crash, if it is you then your friends insurance would pay if you are covered.

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Need some serious answers...Please?

Insurance follows the CAR not the driver. If the car has collision coverage then that is the insurance company that will pay (hopefully).

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driving lessons?

The insurance is on the vehicle not the driver so the owner of the car will be on the hook for coverage. Their premiums will also be the one affected.

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do americans get discount on insurance...?

It depends on 1) the state you live in and 2) the type of auto policy you have and 3) the type of auto policy the car has.

whats the cheapest and best car insurance company to go with for a 16 year old ?

Most states "rule" is THE INSURANCE FOLLOWS THE CAR. There are a few states however, where insurance follows the DRIVER. Which one are you?

how to i get a copy of my no claims bonus for new insurer?

If you're in a state where the insurance follows the car, the PRIMARY insurance is the one that currently insures the vehicle, the actual drivers insurance would be SECONDARY.

How do I get my suspended license back?

If coverage is denied for whatever reason by the primary carrier, then the insurance of the DRIVER will become PRIMARY. (This applies for ALL COVERAGES, collision/liability, medpay, liability.)

My car was stolen, my insurance say they will not cover lubrico warranty, license & admin fees. Should I fight

If your're in a state where the insurance follows the driver, then the driver's insurance carrier is PRIMARY.

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what if all the vehicle identification numbers are at an end?

To be honest it completely depends on the state in which the accident happened. Most states say that the insurance follows the car, but not all states hold this law of liability. It is also up to the owner of the vehicle, they can chose to file the claim or to let you file the claim under your insurance, however depending on how bad the accident was, both may have to pay out as well.

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